Right,delmo, I can hear the rest of the lawyers on this site saying "Go to a solicitor" when they see this. That goes for me, too. Will writing is not for amateurs, the more so when the layman is thinking of trusts, discretionary or otherwise, and any gifts to children are being considered. There are other considerations which never , or rarely, occur to a layman, such as the question of any named beneficiary dying before the person whose will it is, among others. Few wills have involved discretionary trusts anyway and those that have have generally been made with tax considerations of substantially wealthy people in mind. And avoid going to "will writers". These people do not need to have any legal qualifications at all, and very few, if any, do, though some have passed tests to belong to one of their trade associations. I would no more trust a bus driver, say, to write my will than I would have him build my house,whatever skills in that he claims to have and whatever insurance against negligence he says he has.